Happy Sunday financial hotties!

This week, we’re getting personal about my investing regrets. How I did everything right, and followed every Financial Hot Girl philosophy ahead of time… but still got it completely wrong.

Before I start, here’s a quick refresher on my financial timeline, back to when I read my first personal finance book:

Age 24: Drowning in debt and living for payday

Age 25: Became debt-free and started investing £50/month

Age 26: Salary jump to £36k; investing £500/month into an index fund

Age 27: Same routine, consistent investor mindset

Age 28: Quit corporate, paused investing, lived off savings

Age 29/30: Paying myself through my business, rebuilding savings for travel

Now that you’re caught up (albeit briefly), here’s why I feel regret when I think about what I should’ve done at age 24.

I don’t regret investing. I regret investing as if I was going to stay in corporate forever. Because investing requires committing to a lifestyle, and I was committing to the wrong one.

Disclaimer: this issue is absolutely not a fear-mongering post about investing. Investing is a powerful, smart way to grow your wealth, give you options, and ultimately freedom. You’ll understand everything if you read this issue fully, so please do.

P.S. If you want to figure out whether you should build that financial cushion or start investing, or both, you’ll love what I’m building.

Join the waitlist for the upcoming Earn, Keep, Grow course, designed to help you create financial structure that actually fits your lifestyle (not the one you think you “should” have).

This newsletter and everything shared in it is to help you build a well-rounded, aspirational life that includes money. I hope it was able to do that today 🫶

— Dev xo

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